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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2021
Dec. 31, 2020
Assets    
Cash and due from banks $ 10,272 $ 12,644
Interest-bearing deposits with other institutions 76,644 67,054
Federal funds sold 234 222
Total cash and cash equivalents 87,150 79,920
Securities available for sale, at fair value 173,766 164,955
Restricted investments 1,267 1,267
Loans 874,951 836,334
Allowance for loan losses (7,756) (7,096)
Net Loans 867,195 829,238
Bank premises and equipment, net 18,822 18,725
Other real estate owned, net of allowance 515 607
Other assets 36,242 35,440
Total assets 1,184,957 1,130,152
Deposits:    
Noninterest bearing demand deposits 435,296 407,576
Savings and interest bearing demand deposits 504,775 476,864
Time deposits 127,918 128,658
Total deposits 1,067,989 1,013,098
Other liabilities 11,904 11,980
Total liabilities 1,079,893 1,025,078
Commitments and contingencies
Shareholders’ Equity    
Preferred stock, $10 par value; 500,000 shares authorized and unissued
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2021, 3,429,686 including 31,875 shares of unvested restricted stock; issued and outstanding 2020, 3,405,035 including 20,928 shares of unvested restricted stock 8,495 8,460
Surplus 11,021 10,811
Retained earnings 84,462 82,524
Accumulated other comprehensive income 1,086 3,279
Total shareholders’ equity 105,064 105,074
Total liabilities and shareholders’ equity $ 1,184,957 $ 1,130,152